Questions & Mistakes: In 10 Things You’re Embarrassed to Ask About … , you’ll find answers to your most basic money questions about banking, saving or negotiating. In Top Money Mistakes to Avoid, you’ll learn what not to do when it comes to debt, retirement and saving. Plus, if you’ve already made a mistake, you’ll find out how to get out of it. (Don’t worry–we’ll keep it on the DL.)

The Budgeting Center: We know one of your top money concerns is how to budget and cut costs. Which is why we’ve put all that information in one convenient place: The Budgeting Center, which shows you how to free up money when it comes to your groceries, your kids or your shopping habits.

Now, Onto Answering Your Questions

I am just starting to budget and having some difficulties. I have two checking accounts right now–one for “fun” money and one for bills, but I am not saving anything. I see my fun money balance and spend it all. Any suggestions? – larabb21

A few things can get you on track. The first and most important is your budget. In Budgeting 101, find out how a budget can help you and what the basic principles of budgeting are. Then, set up your budget with our checklist, so you know just how much you can spend on everyday expenses.

Once you’ve got a budget, you need some motivation to stick to it. So, check out our This or That calculator to get inspired by the kinds of big-ticket items you could save up for. (For example, This or That shows you how your daily coffee habit could instead add up to a fun vacation.) You can also rate potential (or past) purchases with our Purchase Appraiser to determine whether those new jeans were really worth the money.

Lastly, learn how to build savings with our checklist, which will even tell you how to set up your bank accounts to get it right. (And psst! You’ll see you don’t even need two checking accounts!)

I’m really torn. I currently have a 401(k) with my company that matches 0%. I put 10% of my paycheck toward it, but I don’t have an emergency fund. Do I keep contributing to my 401(k) or hold off and put that 10% into an emergency fund? – valz44

This is most definitely not an either/or situation. You can do both! So, keep contributing to your retirement account. Here you’ll find out why it’s so important to contribute as much as you can all the time.

Next, free up some room in your budget in order to build savings. Start with our Cut Your Costs Bootcamp, which will walk you through all the ways you can stop spending money on things you don’t need or particularly like.

How much is a reasonable amount to spend on groceries every month? – JessiS

Answering that starts with your budget. Once you know how much you should be spending on your Essential ExpensesEssential Expenses are the expenses you always have to pay as a minimum to keep your life going, such as your housing, transportation, groceries and utilities. They should make up no more than 50% of your budget., you can figure out how much makes sense for you to spend on your groceries. Use our Budgeting Checklist to see, step by step, how much of your money should be going to every expense and savings goal in your life. Then, get our tips on saving on your grocery bills from our Budgeting Center, starting with our checklist on saving on your groceries!

I am planning to invest $5,000 for the next two to three years. How do I get started? Which funds are good for this time span and where should I invest? – Shilpa

And if you decide investing is truly the best option for you, then set up your investment account with our checklist.

I was naive and opened a credit card in college just to receive a free airline ticket. Three months later, I was $5,000 in debt and afraid to seek help from my parents who’d forbidden me to have any credit cards. I struggled to pay it back, so eventually it went to a debt collector and affected my credit score. My parents started receiving harassing calls and soon found out. My mom then paid the debt in full all at once; however, this one experience has been haunting me ever since. I graduated in 2010 and now have a full-time job with a great salary. I’ve been paying all my student loans and bills on time, but I still get denied when I apply for credit cards. Is there anything I can do to rebuild my credit?– Wenosaurus

Congrats on paying your student loans and bills on time! For many people in today’s economy, it’s not easy even doing that. Our Credit section is filled with great content by our partner Credit Karma on building good credit, and our Credit Reports 101 will explain everything you need to know to rebuild. Also get in the habit of watching your credit report regularly by following our checklist.

Just take a deep breath and know that if you continue on the path you’ve begun, your credit will soon inch up, and soon you will have a credit card to your name. After that, you’ll have a good credit score that will help you realize big dreams such as putting a down payment on a home.

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LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment advice. Please consult a financial adviser for advice specific to your financial situation. LearnVest Planning Services and any third-parties listed, discussed, identified or otherwise appearing herein are separate and unaffiliated and are not responsible for each other’s products, services or policies. LearnVest, Inc. is wholly owned by NM Planning, LLC, a subsidiary of The Northwestern Mutual Life Insurance Company.